1. Mobile Banking Presented by: Corporate Banking Goes Mobile Sarah E. Shatila September 21, 2015 Date:

2. Agenda I.Mobile Banking Introduction II.Current Landscape III.Benefits of Corporate Mobile Banking IV.What to Look for in a Solution V.What’s Next VI.Questions KeyCorp Public 1

3. Today’s presenter Sarah E. Shatila AVP Senior Product Manager KeyBank Enterprise Commercial Payments Treasury Services Product & Innovation KeyCorp Public 2

4. Capabilities are essentially the same Both can be built to ensure safe and secure mobile banking Capabilities are essentially the same Both can be built to ensure safe and secure mobile banking Mobile Optimized URL Native Application (App) Streamlined user interface customized to fit smaller screens Refined functionality for “on-the- go” needs Slightly better performance Leverages device’s native capabilities (e.g. – phone or GPS) Typically created and customized for IOS or Android phones Device Agnostic Mobile Banking 101 KeyCorp Public 3 VS.

5. Source: Pew Internet & American Life Project, Pew Internet Mobile Community (April 2015) Adoption of mobile technology among American adults has hit an all time high Why Mobile? Why Now? KeyCorp Public 4

6. *Source: Pew Internet & American Life Project, Technology’s Impact on Workers (2014) ** Source: Strategic Role of Treasury Survey, Report of Survey Results (2014) Why Mobile? Why Now? 5 Paired with consumer trends, changes in the corporate landscape are emphasizing the need for Corporate Mobile Banking solutions

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8. Source: Aite Group Impact Note - Mobile Banking: The Corporate Treasurer’s Perspective, Sept 2014 Source: Aite Group Survey of 32 of the top 50 U.S. banks, June 2013 1/3 of the top 50 banks have launched a corporate mobile banking solution Approximately Banking’s Response 7

9. Corporate Treasurers’ Response Source: Aite Group’s panel of 45 corporate treasures, May 2014 Despite trends suggesting its inevitability, adoption is slow. Only 11 % of the treasurers surveyed indicated that they are using a corporate mobile banking solution 8

10. Corporate Treasurers’ Response Source: 2013 AFP Conference Survey Results 9

11. Corporate Treasurers’ Response Concerns over Corporate Mobile Security 2010 and 2014 Corporate Treasurer Surveys A recent survey by Aite Group suggests that security is NOT the main barrier to adoption 10

12. Benefits for the Corporate Treasurer Have you or one of your colleagues ever said … 11

13. Benefits for the Corporate Treasurer The Corporate Mobile Banking Equation 12 More Channels Options Reduced Fraud Loss Faster Access to Information Reduced Bank Penalty Fees Reduced Supplier Terms Increased Control & Security

14. Important Functionality To Look For 13 User Services Password Resets User Adds/Removals Payment Approvals ACH Wire Account Balances Intraday/ Previous Day Reporting Information Reporting Wire Template Initiation Book Transfers Money Movement Approval Workflows Positive Pay ACH Check Time Sensitive Exception Processing

15. When looking at corporate mobile banking solutions, look for the following security factors: Corporate Mobile Banking Security Features

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17. Corporate Mobile Security Best Practices Educate yourself and your employees about security best practices that you can take to prevent threats on mobile devices. 16

18. Corporate Mobile Banking Client’s Perspective Jaime Cannon CFO Terreno Realty Corporation Current Key Total Treasury Mobile Client “… KTT MOBILE GIVES ME PEACE OF MIND. I KNOW MONEY HAS BEEN TRANSFERRED WHEN AND WHERE IT NEEDS TO BE, AND I HAVE REAL-TIME ACCESS TO OUR ACCOUNT BALANCES. IMPORTANTLY, IT PROVIDES TERRENO REALTY WITH THE FLEXIBILITY WE NEED TO DO BUSINESS AND GROW….” 17

19. What does the future look like? 18

20. Questions KeyBank is Member FDIC. 19